They’re calling them America’s “invisible workforce”—and you likely know at least one of them. They’re family caregivers, people who may have demanding careers, forced to put them on hold to care for ailing, aging parents or other family members. The caregiver role may not be a full-time job, and it may be shared with another […]

November is Long-Term Care Awareness Month. While you may think this is a marketing scheme cooked up by the insurance industry, we think of this as a time to draw attention to the realities of aging for millions of babyboomers and their parents. Our life expectancy has dramatically increased, which is great if you’re […]

Open enrollment for individual plans kicked off Nov. 1, and you need to choose a plan by Dec. 15 if you want coverage to take effect Jan. 1. If you don’t choose a new plan, your existing plan may continue your coverage, but don’t assume that will happen because not all plans continue. Confirm that […]

There’s a huge disconnect when it comes to understanding disability insurance. As an insurance broker, I find that my clients are often the victims of second-hand information from people who have not stayed on top of a rapidly changing industry and hearsay. Myth No. 1: The odds of experiencing a disability […]

ACA’s Preventive Services with No Co-Pay A key provision of the ACA is the requirement that it provides certain recommended preventive care services at no additional cost to patients—that means no cost-sharing or co-pay. Research shows that preventive care saves lives and improves health by identifying illnesses earlier, when they are still treatable and manageable. […]

The cost of prescription drugs is rising at an alarming rate. If you’re not taking any medications, you’re one of the lucky ones. But the increasing cost of prescription drugs has created a tragedy for many Americans. For the elderly on fixed incomes (even those with their Medicare Prescription Drug Plans) or those facing […]

A life insurance policy, like a Living Trust, needs to be reviewed and updated with important life events. What’s an important life event? These are reasons you got your life insurance policy in the first place—to protect those you love in the event something happened to you. Examples of important life events are the […]

Source: The Hill The Obama administration is announcing Thursday a new preventive health campaign, aimed at helping people who are newly insured under ObamaCare as well as others, better understand and use their coverage. The public awareness initiative, called “Healthy Self,” is intended to help people know about and use the preventive services that are […]

Source: The New York Times WASHINGTON — The night his administration’s Affordable Care Act passed in 2010, President Obama described the victory the way he hopes historians will: as a “stone firmly laid in the foundation of the American dream.” But Mr. Obama’s prospects for a legacy of expanding health care coverage in the United […]

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Source: Kaiser Health News The list continued to grow of preventive services that people are entitled to receive without paying anything out of pocket. In 2014, the U.S. Preventive Services Task Force recommended two new services and tweaked a handful of others that had previously been recommended. Under the health law, preventive care that receives […]

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